Retired OP&F members who are considering enrollment in a plan sponsored by the Fraternal Order of Police (FOP) through Aetna should be aware that this plan does not qualify for a stipend through the OP&F Health Reimbursement Agreement (HRA).
Although retirees not yet eligible for Medicare could determine that the cost of the FOP plan is advantageous for their situation, it is important that they realize that enrollment in this plan means they would be ineligible for a stipend from OP&F.
Internal Revenue Service rules specifically say that group plans are not stipend-eligible. The FOP/Aetna plan is determined to be a group health care plan.
The open enrollment Period for non-Medicare retirees runs until Dec. 15 for coverage that would begin on Jan. 1, 2024.